OK SB1913

Requires property insurers to file quarterly supplemental reports with the Insurance Department beginning March 31, 2027, detailing policy counts, cancellations, premiums, and claims data by zip code

Increases civil penalties for insurance violations from $5,000 to $10,000 per occurrence and cease-and-desist violations from $1,000 to $25,000, while adding authority for the Commissioner to order restitution to affected policyholders

Reduces insurer response timelines from 30 days to 14 days for claim acknowledgment and claimant communications, and from 60 days to 30 days for claim acceptance/denial decisions after proof of loss submission

Establishes a mandatory mediation dispute resolution program for residential and automobile insurance claims, requiring insurers to participate when requested by policyholders who have completed the Department's complaint process

Creates a Homeowners Claims Bill of Rights that must be provided within 14 days of a claim, and prohibits insurers from refusing coverage solely based on roof age for roofs less than 15 years old or those with at least 5 years of useful life remaining per inspection